Lower Your 1993 Saab 900 Car Insurance Quotes

Scraping up a payment for overpriced Saab 900 insurance can take a big chunk out of your personal savings, especially in this economy. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Insurance companies such as Geico, 21st Century and Progressive increase brand awareness with TV and radio ads and it is difficult to ignore the flashy ads and find the best price available.

Smart consumers take time to compare rates yearly because prices go up and down regularly. Despite the fact that you may have had the best rates for 900 insurance last year you will most likely find a better rate today. So forget anything you know (or think you know) about insurance coverage because we’re going to show you how to use the internet to save on insurance coverage.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Choosing the best insurance company for you is quite easy. But drivers must learn how insurance companies price online insurance and take advantage of how the system works.

Quick Auto Insurance Quotes

Comparing auto insurance rates can take hours if you don’t know the best way to get rate quotes. You could waste time driving to local insurance agents in your area, or you could save time and use online quotes to quickly compare rates.

Many popular insurance companies belong to a marketplace where prospective buyers submit their information once, and at least one company can provide price quotes based on that data. This eliminates the need for quote forms to each company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is that consumers can’t choose the providers you will receive quotes from. So if you want to select individual companies to compare prices, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just compare identical information for every quote you compare. If you use different deductibles you will not be able to truly determine the lowest rate. Having just a slight variation in coverages can mean a large discrepancy in price. Keep in mind that comparing more company’s prices will enable you to find the best offered rates.

Ads can be misleading

Car insurance providers like Allstate, Geico and Progressive constantly bombard you with ads in print and on television. They all make the same claim that you’ll save big if you switch your coverage to them. How does each company make almost identical claims?

Different companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer might be between 30 and 50, owns a home, and chooses high deductibles. A driver who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for the “perfect” profile must pay higher prices and ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can make those claims.

This illustrates why you need to quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Saab 900 insurance rates.

Factors that can influence Saab 900 insurance rates

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that could result in lower auto insurance prices.

  • Protect yourself with liability coverage – Liability insurance is the protection when a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • With age comes lower rates – Youthful drivers are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Car features impact rates – Owning a car with an alarm system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both sexes cause accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as DWI and reckless driving.
  • A clean driving record saves money – Drivers who don’t get tickets get better rates compared to drivers with tickets. Just one ticket can bump up the cost twenty percent or more. If you have flagrant violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Higher deductibles cost less – Deductibles for physical damage define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more expense you have to pay, the less your auto insurance will be for 900 insurance.
  • How credit affects auto insurance rates – Your credit score is a huge factor in your rate calculation. People with high credit ratings tend to be more responsible than drivers who have lower ratings. If your credit history is low, you could save money insuring your 1993 Saab 900 by improving your credit score.

Best discounts on 1993 Saab 900 coverage

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but a few must be requested specifically before they will apply.

  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.

Drivers should understand that some of the credits will not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will cut your overall premium however.

To see a list of insurers who offer auto insurance discounts, click here.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • What exactly is covered by my policy?
  • Where can I find high-risk insurance?
  • Do I need an umbrella policy?
  • Can I still get insurance after a DUI?
  • When does my teenage driver need to be added to my policy?
  • Do I need PIP (personal injury protection) coverage in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Information about specific coverages

Having a good grasp of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Saab 900.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, fire damage and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision coverage pays for damage to your 900 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Liability

This coverage protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, surgery, nursing services, hospital visits and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Shop. Compare. Save.

Low-cost 1993 Saab 900 insurance can be bought on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered a lot of techniques to save on insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small mutual company. They may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

Even more information can be found by following these links: